South Carolina Housing Affordability Index

Daily affordability score for South Carolina compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score

South Carolina

114.8

More Affordable Than Avg

MBR-HAI • April 10, 2026

National Average

100.6

Near National Average

MBR-HAI • April 10, 2026

National Rank #14 of 51 states

vs. National Average +14.2 points

30-yr Rate Used 6.730%

Median Home Value $259,000

Median Household Income $69,324

View all state rankings →

South Carolina Affordability Ranking

#14 of 51 states — April 10, 2026 More affordable than average

Most Affordable Least Affordable

More affordable than: 37 of 51 states (73%)

Less affordable than: 13 of 51 states (25%)

MBR-HAI Score: 114.8 vs. national 100.6 (+14.2 points)

Nearby States

↑ 11 more affordable states above

#12 MO 117.6

#13 SD 116.1

#14 South Carolina ◀ 114.8

#15 NM 114.1

#16 OH 114.0

↓ 35 less affordable states below

Top 5 Most Affordable

#1 WV 139.9

#2 AR 131.2

#3 AL 129.8

#4 IA 129.6

#5 MS 126.3

Bottom 5 Least Affordable

#47 RI 90.6

#48 NY 89.3

#49 OR 89.2

#50 MA 87.2

#51 CA 81.5

View full 51-state rankings →

South Carolina MBR-HAI — 90-Day Trend

South Carolina

National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — South Carolina

$259,000

Median Home Value

U.S. median: varies by state

$69,324

Median Household Income

U.S. median: $80,734

3.7x

Price-to-Income Ratio

Home value ÷ income

$1,007/mo

Median Owner Costs

17.4% of income annually

$1,481/yr

Median Property Tax

0.57% effective rate

72.3%

Homeownership Rate

U.S. average: 65.7%

25.4%

Owner Cost Burden

% spending 30%+ of income on housing

6.730%

30-yr Mortgage Rate

State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How South Carolina Ranks Among All States

#14

of 51 states

Least Affordable Most Affordable

South Carolina is more affordable than 74% of U.S. states — More Affordable Than Avg

114.8

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
▲ See top 10 states →
11	North Dakota	118.3	More Affordable Than Avg
12	Missouri	117.6	More Affordable Than Avg
13	South Dakota	116.1	More Affordable Than Avg
14	South Carolina You are here	114.8	More Affordable Than Avg
15	New Mexico	114.1	More Affordable Than Avg
16	Ohio	114.0	More Affordable Than Avg
17	Delaware	112.4	More Affordable Than Avg
▼ See all 51 state rankings →

Showing states ranked near South Carolina — April 10, 2026 • View complete national rankings →

Download South Carolina HAI Data

South Carolina History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-04-11,SC,114.8,100.6,6.730                

Download SC History (CSV)

All 51 States (CSV)

Compare South Carolina to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings

See how South Carolina ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

South Carolina Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in South Carolina.